Auto Insurance

Types of Insurance.

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    Quality Auto Insurance at the Best Available Rate

    At Urbasek Insurance we offer automobile insurance tailored to meet your specific needs.

    Our expert agents are here to help you will all of your insurance needs and believe in treating you like family. We will analyze your insurance requirements from the view point of risk management, risk elimination, risk reduction, risk transfer, and risk assumption.

    The ultimate goal is to reduce your insurance cost and close/reduce any gaps in coverages.

    Frequently Asked Questions.

    1. What Is Collision Coverage?

    Answer If your car is damaged or destroyed in an accident, collision insurance coverage will typically pay to fix or replace it. Types of covered accidents include hitting another car or hitting a stationary object, like a bridge or a tree. Collision insurance can also help if someone or something else hits your car while it's parked.

    2. What Is Comprehensive Coverage?

    Answer Your car can be damaged, even if you're not in a crash. That's why you may want comprehensive insurance. It protects you if your vehicle is damaged by the following:

    Storms and natural disasters like tornadoes, hurricanes and earthquakes
    Vandalism and theft
    Broken or shattered windows and windshield
    Animal damage
    Falling objects

    3. What are Liability Limits?

    Answer Liability coverage is what protects you if you're at fault for an accident and you hurt someone or someone's property. It's made up of two components: bodily injury liability and property damage liability. This type of car insurance doesn't cover your injuries or damage to your property.

    4. What Is Personal Injury Protection?

    Answer Personal injury protection (PIP) can cover expenses related to injuries you sustained in a covered accident. These expenses can include medical and hospital bills as well as expenses not covered by your health insurance. Coverage will vary depending on the state you live in, and it can be a great supplement to your health insurance. Personal injury protection insurance can include:

    Income continuation
    Loss of services
    Funeral expenses
    Child-care expenses

    5. What Is Uninsured And Underinsured Motorist Coverage?

    Answer Let's say you're in a car accident, the other driver is at fault. If that driver doesn't have car insurance, uninsured motorist coverage will help protect you. It can cover injury-related medical expenses and costs associated with repairing damage to your car. If the driver who hit you has some auto insurance, but not enough, underinsured motorist coverage can cover the difference between your bills and the driver's coverage up to the limits of your policy.